Final answer:
The Credit Reporting Agency has the burden of protecting a consumer's privacy under the Fair Credit Reporting Act.
Step-by-step explanation:
The burden of protecting a consumer's privacy under the Fair Credit Reporting Act falls on the Credit Reporting Agency. The Act was enacted to regulate the collection, dissemination, and use of consumer information by these agencies.
The Fair Credit Reporting Act (FCRA) is a federal law in the United States that regulates the collection, dissemination, and use of consumer credit information. Enacted in 1970, the FCRA is designed to promote accuracy, fairness, and privacy of information in credit reports. The law applies to consumer reporting agencies, creditors, and those who use consumer reports.